PAY PAL is helping criminals to steal your money

[ogi777]

I'd like to warn all PayPal users.
If you makeing transactions on small amounts it's fine, but if you consider to sell something for bigger sum, better consider it again.
Long story short. I sold item worth £460 on ebay, and handed item to croocked buyer next day after I had payment on PAYPAL. At this point I thought that my money are safe with PAYPAL and transaction is over, but next day PayPal held funds for this transaction because buyer claimed that payment was unauthorised. I provided PayPal with all evidences confirming that buyer received item, and planned all along. But somehow PayPal decided to return money to fraudster. They even didn't bother to give me proper expanations, just "appologise for incovinence".

[cycloneuk]

The guy who you give the goods to probably hacked into someones PayPal account, you should only ship goods to the confirmed address on PayPal.

[irobo]

Better use bank transfers

[Lasting Designs]

And added to that, if its a buyers collects deal, take cash, or at least take some proper ID before parting with goods. PP are pants at helping victims, my wife had her account frozen because some scumbag, who had a parcel sent to them via a to be signed for service, for not sending the goods, she even had a copy of the signed delivery note too!

[ogi777]

The guy who you give the goods to probably hacked into someones PayPal account, you should only ship goods to the confirmed address on PayPal.

He didn't hacked to anyones paypal address, address was same as ebay address, which turned out to be false. He's credit card was registered in France, but PayPal address was on Croydon random postcode. PayPal's policy don't cover transactions where was used card from another country. Guy organised it preety well, and he's earning nice sums with PayPal help.

[ogi777]

And added to that, if its a buyers collects deal, take cash, or at least take some proper ID before parting with goods. PP are pants at helping victims, my wife had her account frozen because some scumbag, who had a parcel sent to them via a to be signed for service, for not sending the goods, she even had a copy of the signed delivery note too!


Easy to say. Those know, who were already cheated.
I couldn't take cash, because at ebay's "buy it now" I had option to pay immidiately, and you can't finnish transaction if not going to pay thru PayPal !!!

[silvermusic]

He's credit card was registered in France, but PayPal address was on Croydon random postcode.


So can I assume you didn't send it to this random post code but somewhere else?

[Steve2507]

So can I assume you didn't send it to this random post code but somewhere else?
That was going to be my question.

If you sent it the Croydon address rather than the French address, did you do any background checks on the Croydon address, like 192.com.

[The Panda]

This is exactly the reason I will not use Paypal or Ebay for that matter.
There is no safety for victims who are scammed. They charge too much anyway. I was bitten by Ebay and Paypal once. Never again. Wont even look at the site now.

[ogi777]

So can I assume you didn't send it to this random post code but somewhere else?

As I wrote ealier I handed item to him. Before he bought he ask can he pick up item personally, because it supposed to be "present for his other half who had presumably birthay at the time". I agreed because I thought my money are safe with PayPal. I thought as long transfer is made to paypal, nothing can happend, seems I was wrong, and that's whole point. You CAN'T TRUST PAY PAL. Visit paypalsucks dot c o m and you'll find stories a lot worse than mine.

[silvermusic]

NEVER EVER! accept PayPal for an item that's collected. You have no proof the item was recieved by anyone, you'll lose.

Sorry to say, but it's not PayPal at fault, as much as you'd like to blame them. There are very specific rules on what's covered. Handing over an item in person to someone you don't know is not covered.

Yes the net is full of stories about people getting ripped off. But They tend to be the ones that don't follow the criteria that PayPal lay down for protection. Too many people think, assume and don't read, seen it time and time again.

[Steve2507]

As I wrote ealier I handed item to him. Before he bought he ask can he pick up item personally, because it supposed to be "present for his other half who had presumably birthay at the time". I agreed because I thought my money are safe with PayPal. I thought as long transfer is made to paypal, nothing can happend, seems I was wrong, and that's whole point. You CAN'T TRUST PAY PAL. Visit paypalsucks dot c o m and you'll find stories a lot worse than mine.
So you handed a valuable item over to a stranger? Sorry not PayPal's fault, this is classed as one of those lessons in life moments.

If someone is going to collect an item it's cash only!

[Delta-SI]

PayPal are the scum of the earth though, I refuse to ever use PayPal for anything and if someone offers it on their website as the only payment option then I avoid them, and you know what? I spend a fortune online so it's in their best interests to offer another form of Payment.

[ogi777]

I handed valuable item , Steve, because I had money on my PAYPAL account, I couldn't take cash, because auction required immidiate payment to complete. Don't tell me it's not PayPal's fault, true that I was a bit naive, but money were held for 2 weeks, and at the time of dispute I provided PayPal with evidences saying that he is trying to commit crime, but they still menaged to return payment to him. As I foud out later, nobody invastigate those sort of stuff, everything does system. Please don't tell me it's right way of resolving disputes.

[ken_uk]

What was the sellers feedback like, if he is doing this a lot like you say, then surely he would have lousy feedback?

[ogi777]

As a seller you can't leave negative feedback now on ebay, just 2 options positive & leave feedback later. New ebay terms.

[ken_uk]

True, but you can still leave a positive and write short details of the rip off.

Ebay has made it a pain to find the trouble makers, which is in their interest, as they dont want the true scale of trouble on ebay to be known, but its worth reading a persons feedback comments to see what people have wrote, instead of going by the biased numbers.

[garyk]

Something needs to be done about this. Paypal are blatantly lying in *all* their advertising. They say you are 'fully protected' when in fact you are not. In the event of a dispute if you have paid over money for goods you have not received you only get your money back if paypal themselves can recover the money. This is NOT full protection. It appears in their T's&C's but is not mentioned in any advertising.

[Delta-SI]

I handed valuable item , Steve, because I had money on my PAYPAL account, I couldn't take cash, because auction required immidiate payment to complete. Don't tell me it's not PayPal's fault, true that I was a bit naive, but money were held for 2 weeks, and at the time of dispute I provided PayPal with evidences saying that he is trying to commit crime, but they still menaged to return payment to him. As I foud out later, nobody invastigate those sort of stuff, everything does system. Please don't tell me it's right way of resolving disputes.

Why on earth did you leave money in your paypal account?

[ogi777]

To be honest, how many people read positive feedbacks? Everybody goes for negative if there are any.

[quikshop]

Something needs to be done about this. Paypal are blatantly lying in *all* their advertising. They say you are 'fully protected' when in fact you are not. In the event of a dispute if you have paid over money for goods you have not received you only get your money back if paypal themselves can recover the money. This is NOT full protection. It appears in their T's&C's but is not mentioned in any advertising.

Paypal are NOT fully regulated by the FSA contrary to popular belief. All the FSA do is check that the directors are suitable for running a payment service, they do not get involved with regulating how Paypal operates their business. Paypal's own FSA burb on their website is misleading to say the least.

Its even harder to hold Paypal accountable since they based themselves outside of the UK.

As I say to every single shop owner using our service, Paypal is fine to get your shop up and running with but as soon as your shop starts generating a profit, switch to a UK payment service provider.

You get better financial protection, better fraud protection and (surprisingly for UK businesses) better levels of service and accountability.

[ogi777]

Why on earth did you leave money in your paypal account?

What do you mean???

I’m not sure you know how PayPal’s work? I retrieved funds strait away, but it takes 3 working days until they transfer money to my bank account, and within this period they still got possibility to take back your money. That’s the problem.

[-NKT-]

PayPal are telling the truth though when they say "Buyers are fully protected" - they are protected to the level of they can have everything they buy for free!

We've had a few PayPal disputes, you will very rarely win. Even signed for via a courier service isn't accepted, it's only if you use Royal Mail Signed For. I'll tell you how bad it is. Hijacked accounts where they put in a dispute are even taken seriously, after the scammer has been locked out and (hopefully) banned from the account he's stolen. Then weeks later you will get an email saying that you interacted with someone who was unsafe, and your money is unfrozen.

As for transferring the money out of PayPal, don't you think they know what they are doing? They simply transfer it back, and put you into overdraft if the account you are using is empty. The only safe way to do it is to use a credit card to pay your PP, as if PP take money without permission, your CC will fight for your money back from PP, and they bother to take it seriously when it is a bank shouting at them.

[Business News]

I too have closed my PAypal and EBay activity following a scam on a high value item I purchased and never received, other than an empty recorded delivery envelope. PayPal upheld the transaction as the seller provided proof of postibe via a tracking number and refused to refund my purchase. Never use PayPal for any high value transactions, as a seller or buyer it's just too risky and they have zero customer service. Only bid on or list what you can afford to give away to a perfect stranger in cash or goods.

I use Amazon more these days and have not had any problems so far and they do have a customer service team that responds.

[Delta-SI]

What do you mean???

I’m not sure you know how PayPal’s work? I retrieved funds strait away, but it takes 3 working days until they transfer money to my bank account, and within this period they still got possibility to take back your money. That’s the problem.
Son I know how PayPal work, you leave any money in there for more than a few days and they freeze your account and you never see the money again...

[-NKT-]

That's as may-be, but PayPal don't care, they'll take the money back without asking first, and you'll just end up with overdraft charges and stuff. Pulling the money out isn't much use, unless you have a throwaway bank account to use for solely PayPal. Which, I must admit, is a darned good idea! You might still end up with your bank after you, though.

[Delta-SI]

And that is why you have nothing to do with them. After having read hundreds of stories over the past few years about PayPal bleeding people dry due to taking unauthorised money from their accounts and forcing people to incur bank charges and the like that are so great they can't afford to pay the rent and end up being evicted.....


http://paypalsucks.com/forums/showforum.php?fid=3

So I have an ebay account with over 200 postive in the last 6 months alone. I am 100% on my feedback. Anyway paypal decided to freeze my account because I had to much business going through. Ebay then also froze my account dut to paypal. Needless to say my buyers could not get in touch with me and they file complaints with paypal saying item not received , not as described blah blah blah. Paypal decides that EVERY last one of my buyers even from December is entitled to their momey back. So no I am negative $6500 and no way to recoup. UGH!


I posted an expensive item (the buyer paid £1700) to an address in the UK recently. A week after the item had been posted a "not authorised" claim was put on my account. PayPal helpfully suggested at this point that I shouldn't post the item (!). I provided paypal with proof of delivery (signed for) but after about a week they decided in the buyer's favour and took the £1700 back off me. So I'm said expensive item down with no money to show for it....

Do you think I have any chance of getting my money back??? Baring in mind that I posted to an address consistant with the registration of his ebay account (ie. the county) but one HE provided me with, not PayPal. I know, that was stupid.

I don't understand how I can be liable for HIS email accounts, PayPal account and eBay Account all being hacked simultaneously without his noticing, in a period during which he bought two other item from eBay without complaint (from other users). What proof to PayPal require that a payment was or wasn't authorised?

Sorry, rant over. I appreciate your responses.


Have been running my acccount fine as mainly a buyer on ebay, but sometimes accepting small payments via paypal as payment for advertising space on one of my websites. The occasional £10 or £20. I think I've been paid via paypal for this 3 times in total as I usually get paid via neteller and just use paypal for ebay buying. A couple of months ago I got an email saying that my account was limited as a spot check showed suspicious activity in the form of me recieving £20 from someone placing a small ad on my site. I thought paypal was there to send and receive money, but obviously its only there to send. They wanted proof of postage for something that is not tangible. I emailed them multiple times with no response at all. The sender of the money has also told them multiple times what the money was for. It was taken out of my account and not given back to the sender and yet the sender hasn't had his account limited. They are not responding to my emails at all and my account is now -£20. I get emails from someone else there demanding that I put £20 in my account to bring the balance up and yet they have the money! I'm quite new to paypal and have only been with them for around a year, with no problems, but this is ridiculous. They can just steal money from me and then ask me to replace it? They can limit my account for no reason? It's been 8 weeks of 'reviewing' it and I'm getting really fed up with them now. Any advice anyone?

I recently sold a laptop on eBay to a member (since 2002 with 100's of 100% feedback), recieved payment, then transferred the funds to my bank account. All seems like a smooth transaction. However, once the item was dispatched I receive an email from PayPal stating tha a chargeback has occured. I log into my PayPal account and I have a negative balance - the good were sent insured by DHL, and the item has been delivered and signed for.

In PayPal I am asked to provide tracking details, which I do and the address I posted to. The address matched in PayPal, eBay and by an email confirmation (ntlworld email address) from the buyer. So I send this information to PayPal and await a response. The next day I receive a replay from PayPal stating that the case is closed in favour of the buyer.

I telephoned PayPal and was basically told that the address was 'unconfirmed' so I should have watched out for that and that the buyer is the victim. I'm awaiting a call back from the PayPal investigators now.

I'll keep this thread updated - but any advice would be appreciated.

PayPal is constantly working to ensure security by regularly screening the accounts in our system. We recently reviewed your account, and we need more information to help us provide you with secure service. Until we can collect this information, your access to sensitive account features will be limited. We would like to restore your access as soon as possible, and we apologize for the inconvenience.
Why is my account access limited?

Your account access has been limited for the following reason(s):

# Dec. 13, 2008: We have detected suspicious activity regarding the receipt or withdrawal of funds.


(Your case ID for this reason is PP-599-568-974.)
I sent for my friends 1000$ and Paypal has been held that transaction recently without reason.They requested that I have to provide tracking number and information of that transaction,then i opened dispute and my friend refunded money but they still holding it and they closed my PP account.And now I have to wait 180 days for withdrawal my money.But today i have just login into my PP account and i saw noticed from PP that my balance is -1000$ and i have to restore my balance.Oh my god,damn it and **** Paypal.Whats are they doing,God will take them go to hell.I pray hackers in the world will **** off Paypal everyday.Its really deserve with Paypal.

[Delta-SI]

This is the story of the week

Today without warning Paypal "closed" my account with $5,772.91 dollars in it. They say on the website and in several calls I made to them that they will not release the money due to a routine credit scan they made and didn't like what they read in my equifax credit report.

What closed means by their definition is I can't take the money out and I earn no interest on the money for 6 months. Almost 2 months have gone by since this happened and this is still the situation. They say when I signed up for Paypal I signed a standard agreement that says they can freeze the money in my account any time they want to. I strongly suspect they are earning interest on the money and, in effect, this is a scam on their part to make millions of dollars. I have 100% positive feedback as a seller on eBay (which owns paypal) and I've sold over 100 items. I have a feedback score of 86 with many of these being repeat business that doesn't cause the feedback number to increase. The money was frozen from an auction in which all the winning bidders gave me positive feedback except for one non-paying bidder in Italy who never sent the money despite repeated emails so, of course, I never sent him the item. (The amount of the non-paying bidder is $500.00 --- but since he never sent any money by Paypal or any other means I fail to see how this could play a roll in the "closed" account).

Periodic non-paying bidders are, unfortunately, a fact of life on eBay --- fortunately a rare one in my experience. The other eight winning auctions of the "freeze" auction all gave me not just positive but glowing feedbacks saying they both received the items I sent them and were extremely happy with them. Without the money from PayPal there is a very good chance I will lose my family home as well as my mother's home we are attempting to bring up to code. I, my wife, and two sons have lived in our family home for around 18 years. My mother, before she was institutionalized lived in her house (with my father, me and my sister in the earlier days) for around 50 years. We were planning on renting out my mother's house to help pay for the expenses of her staying at Alzheimer Gated communities which charge $3,500.00 a month and more.

Ironically, before this happened, I was a big fan of Paypal..

[Delta-SI]

Well what a week it's been! Let me provide a quick rundown of the exciting events for everybody out there unaware of the entire story.

I decided to host a fundraiser to generate money for the victims of Hurricane Katrina, so I created a Paypal account for people to send in money, which would go to the Red Cross. The entire reason I chose to use Paypal was so I could collect the names and addresses of each donor and send them some free Something Awful merchandise for their contributions. Trust me, I would've rather had people donate directly to the Red Cross, but they would not provide me with the names and address of those who contributed.

The fundraiser was a blistering success, raising over $30,000 in under nine hours.

Paypal decided this was awfully suspicious, so they immediately locked the account without warning.

Here's where the real problem begins. Now I have absolutely no qualms with Paypal raising a red flag when $30,000 flows into an account in less than half a day, to an account created hours earlier. Instead of saying, "gee, our company is making $1,188.37 from somebody (they charge 30 cents per transaction, there were 1284 transactions total = $385.20, and they charge 2.9% per transaction, there was $27,695.41 donated = $803.17), let's close them down without any notice," perhaps they should have employed a living, breathing human being to contact us and investigate before they froze the account without warning.

Nope. Paypal decided to instantly freeze the account with no warning, no indication, no way for me to explain what was happening. You see, Paypal's outlook is that every single one of their customers is a liar, a cheat, and a thief. It's your job as their paying customer to prove them wrong. While you spend time faxing them all kinds of proof, including drivers licenses, social security cards, bank statements, and credit card statements, Paypal sits on your money and earns interest on it, making them even more cash. They can close, limit, freeze, or take money from your account whenever they like and for whatever reason they like; when you join their service, you must click a box agreeing to this policy.

So how can they get away with this? I mean, banks can't rip off customers like this, can they? No, banks can't... but Paypal isn't a bank. They aren't governed by the FDIC. They literally answer to nobody. They hide customer service email contacts, rarely offer communication with actual human beings, and place functional phone numbers behind mounds of worthless distracting garbage.

Regardless, I attempted to unfreeze my Paypal account by following their "six easy steps," which included me faxing in photos of my driver's license, recent bank statements, recent credit card statements, and a letter explaining I'm not a thief. I consider myself fortunate they did not ask for DNA samples, because the last time my wife caught me masturbating near the computer she almost divorced me. Unfortunately, the next step required made it literally impossible for me to unfreeze the $27,695.41 of donations so they could actually go to where people need them: ...................

[Delta-SI]

http://paypalsucks.com/images/lowtax%7Epaypal-sucks-01.png

Paypal was asking me to provide tracking numbers for DONATIONS. What am I supposed to send out? When did I ever say I was sending anything? How am I supposed to send it on Sunday? Where am I supposed to send it to? How exactly does Paypal's "donation" system, which is the option I chose for SA's Red Cross Relief Fund, work?

http://paypalsucks.com/images/06-linux-02.jpg

I called up Paypal's customer support hotline, which I could find NOWHERE on their website and had to instead pry from the website Paypal Sucks, and was greeted by a series of automated messages informing me nobody could talk to me because it was after business hours. I guess, you know, nobody on the planet is expected to conduct business after Paypal closes for the day. And all you jerks on other, highly non-American continents: learn to stay up until 2:00 AM so you can sit on hold for half an hour and eventually talk to a customer service representative who personally hates you.

After faxing in the necessary paperwork, Paypal's servers emailed a generic form reply explaining I would receive a response from an actual human being "between 3 and 5 business days." Well, today's a holiday, so that means at the latest, somebody would get back to me next Monday, which would be a total of NINE DAYS. I guess I could fold up a bunch of paper airplanes with the message "HANG IN THERE GUYS; PAYPAL MAY OR MAY NOT LET ME SEND YOU AID" in the general direction of New Orleans, but to be honest, I'm terrible at making those things. Every time I try, the airplane goes straight down and crashes into the pavement. Sometimes I can hear tiny, hollow screams of the paper pilots trapped inside the wreckage.

I was mad. The donators were mad. Some Internet news sites picked up the fact that Paypal was generally screwing over not only contributors, but the people in New Orleans who needed the relief funds. All the negative publicity caused Paypal to cave in and physically force one of their employees to actually pick up a phone and contact me. She explained the same thing I already heard and knew: the Internet is full of thieves, they didn't know if I was planning on stealing the money and using it to purchase $27,695.41 worth of bathtub tiles, etc etc. I replied that while this logic is understandable, Paypal's entire mind set of "assume all our customers are guilty until they prove, beyond a shadow of a doubt, they're innocent" is a bit ridiculous. I mean, here it was, every hour Paypal has the account frozen was another hour the victims of the hurricane lost $3,836.92 in donations, and the kind ladies and gentlemen at Paypal were saying it could essentially be up to NINE DAYS before anybody could donate again, and any of the money MIGHT be released to the Red Cross.

I told the customer service representative that if they're so paranoid about me being a criminal, they could directly take the money from my Paypal account, completely lock me out of it, and donate it themselves to the Red Cross. Unfortunately, this too was impossible! You see, Paypal has no direct affiliation with the Red Cross, which somehow means they can't send money to them. Don't ask me how that works; last time I checked, the Red Cross accepted money from anybody anywhere. The Paypal representative said they can only donate money to the United Way; you know, the organization where the president was sued for stealing half a million dollars from them. You know, the organization with a loathsome two star rating, that spends nearly double the amount of money in "administrative overhead" (read: advertising) as Red Cross. It turns out that this is what the United Way is famous for. They weasel their way into companies and sign contracts with them, blocking the corporations from accepting donations to any other charity. I guess it's fitting Paypal chose to team up with them.

http://paypalsucks.com/images/06-linux-03.jpg

To quote the magic eight-ball, "outlook not so good." After the surprising hostility Paypal showed in my attempt to raise money for the Red Cross hurricane relief fund, I realized there was no way to get the money from point A to point B as long as Paypal was point seeing the donations. I called the Paypal representative and instructed her to refund everybody's money. Although it's taken over a day for them to do it, they are issuing complete refunds (except for foreign money orders; anybody who used Paypal to convert foreign currency to US dollars have lost money on the "conversion fees"... despite the fact NO PHYSICAL MONEY CHANGED HANDS. I guess the mere process of adding one of those stupid "£" signs to a series of virtual numbers costs a lot of money).

I had no business until today. The hurricane removed my entire source of income. I had no way to communicate with anybody near the data center, I had no way to contact my systems administrator, and I had no idea if and when our servers would be back online. All I was trying to do was raise money for the unfortunate victims of Hurricane Katrina, and SA's readers did an utterly amazing job generating nearly $4,000 an hour in contributions. Sure I was dreading having to pay postage on 1,284 envelopes full of SA merchandise, but what the heck; it was for a good cause. Then Paypal decided to step in and shut it all down.

I'm not going to tell people to close their Paypal accounts. I'm not going to say all their actions were completely unwarranted. I'm just presenting my experience with them and will allow you to draw your own conclusions. However, I harbor a fundamental disagreement with their business practice of assuming all their clients are filthy criminals who must repeatedly prove their innocence to a series of unmanned servers and computer systems. I do not support their ability to freeze entire accounts, take money from whoever they want at whatever time they want, and impose whatever arbitrary rules and regulations they deem necessary without having to answer to any organization. Every single cent in every single Paypal account is earning their company ungodly amounts of interest in their central bank account. They offer users credit cards and the chance to put your money into interest-generating accounts. So exactly why are they not under banking and FDIC rules again?

To everybody who donated: thank you, thank you from the bottom of my heart. Something Awful truly has the best community on the entire Internet, bar none. You people have raised $6,000 to buy toys for children with cancer and other fatal diseases. You donated $22,000 in armor plating for soldiers in Iraq. You even raised over $12,000 to buy a forum member a kidney when his failed and he was on critical life support. Now, when Hurricane Katrina devastated New Orleans, we raised over $30,000 in less than nine hours. Much like how the hurricane wiped out New Orleans, it's a shame Paypal wiped out your efforts to donate. I will begin another support drive shortly, once all the Paypal refunds have been sent.

It will not be through Paypal. .....................

[Astute Visions]

Ok, Firstly I am not a very avid Ebay user but yes, i do use paypal for receiving payments for most of my services. As for services , I would sincerely recommend not using Paypal if you have no previous history with your clients. The first timers, I always route through a more validated process before going for direct paypal and that is because paypal does go pro buyer when it comes to services, i.e unless you can prove beyond doubt that the claim made by yourself is legitimate.

Coming to the commodity(goods) side of things, provided you have a receipt from UPS,Fedex or likewise any other trusted global courier service, I am inclined to believe that the seller is protected and so is the buyer if they follow the protocols of standard web transactions.

If you deal otherwise , you should not or should i say, cannot blame paypal or anyone else for that.

I do believe people need to read up there instructions and terms of service before signing on. Oh, and yes it does take a hit at times to learn. I didnt learn this very easy , either.

Son I know how PayPal work, you leave any money in there for more than a few days and they freeze your account and you never see the money again...

I am not sure you know that much then cause for my business we withdraw funds either bimonthly or monthly, so the funds are in the account for quite some time. Not sure where you got the account "Freezing" status but in my 4+ years of experience, i have not experienced this happening ever to me or anyone else i know.

[Steve2507]

Son I know how PayPal work, you leave any money in there for more than a few days and they freeze your account and you never see the money again...You have a serious problem with them don't you?

We leave money in there for a week and it has always been fine. We've had chargebacks as every online business has. Some we've won some we've lost.

PayPal is fine as long as you use your common sense.

[Delta-SI]

Yep I think they are total scum.
Same as BuyPerView and idiots like that.

[Dwebs-Ltd]

PP is American what do you expect?

We don't get as many chargeback's as we did in the past but thats mainly down to our fraud checks rather than PP. PP don't actually check a transaction for fraud they just process anything.

[Cromulent]

PP is American what do you expect?

We don't get as many chargeback's as we did in the past but thats mainly down to our fraud checks rather than PP. PP don't actually check a transaction for fraud they just process anything.

PayPal in Europe is based in Luxembourg so it does need to conform to some EU laws which from what I read are stricter than in America.

Hopefully I won't have these issues come launch day.

[Dwebs-Ltd]

PayPal in Europe is based in Luxembourg so it does need to conform to some EU laws which from what I read are stricter than in America.

Hopefully I won't have these issues come launch day.

Its still owned by a American company, support is based in America :)

[PaddyPawsPetServices]

i personally do not like Pay Pal nor Ebay..been stung too many times.

[The Panda]

Ebay and Paypal have had their day. Lots of people I know used them once. They dont bother now. It got too expensive to sell goods and too risky with all the scams around.

[PaddyPawsPetServices]

when I first set up my business I used it for bulk purchses ( haltis, crates, dog bowls etc ) but now I wouldnt buy something on there. Too many scams, and dishonest staff...and Ebay and PP really couldnt give a damned, as long as they get there money!

[Tom McClelland]

Its still owned by a American company, support is based in America :)

Not so, whenever I've called them (usually in UK morning business hours) about the odd merchant account issue that I've had I've received friendly prompt service (after maybe 30 seconds of queuing on their automatic phone system) from either an English accent or an Irish accent. Maybe they've shipped UK support people to the States to work there in the middle of the night. :cool:

They are regulated as a bank in the EU, I believe. They're listed on the Luxembourg FSA equivalent.

Naturally Paypal are going to be the subject of far more hard-luck merchant stories than any other processor. They do the processing for Ebay.

We do thousands of transactions with them, and we get a failure/fraud/dispute rate lower than 1 in 500. My understanding is that for internet transactions that is a low problem rate regardless of provider.

[Dwebs-Ltd]

Not so, whenever I've called them (usually in UK morning business hours) about the odd merchant account issue that I've had I've received friendly prompt service (after maybe 30 seconds of queuing on their automatic phone system) from either an English accent or an Irish accent. Maybe they've shipped UK support people to the States to work there in the middle of the night. :cool:


PP Pro is handled by Ireland / UK support.

Standard PP accounts are handled by US support.

[Tom McClelland]

PP Pro is handled by Ireland / UK support.

Standard PP accounts are handled by US support.
We have a standard Business account and get handled in the UK. We don't need the features of pro. Virtual Terminal (which you get with a pro account) might be nice, but only a miniscule fraction of our customers ask to give card numbers over the phone and it wouldn't be worth the monthly charge.

[Dwebs-Ltd]

We have a standard Business account and get handled in the UK. We don't need the features of pro. Virtual Terminal (which you get with a pro account) might be nice, but only a miniscule fraction of our customers ask to give card numbers over the phone and it wouldn't be worth the monthly charge.

Maybe they have moved all business account types to UK support then. Its a while since I've spoken to them over the phone but we didn't get UK support on the business account before the PP Pro upgrade.

[Tom McClelland]

Maybe they have moved all business account types to UK support then. Its a while since I've spoken to them over the phone but we didn't get UK support on the business account before the PP Pro upgrade.

Or I guess it may depend on turnover. We probably put a lot more business through them than most vanilla business accounts.

[Dwebs-Ltd]

Or I guess it may depend on turnover. We probably put a lot more business through them than most vanilla business accounts.

Could be :)

[profitxchange]

This is a well known scam that I seem to recall ebay/paypal warn against. personal collection is prone to scams as I understand it. Though I am not a regular ebay/paypal user.